Declaration of refusal to the bank from the card world. How to refuse the "World" card: step-by-step instructions

In the age of development of modern information technologies, cash is being replaced by bank cards. As experts note, the volume of use of plastic tools will only increase over time. This is due to the great advantages of such a product.

The functioning of the cards is ensured by payment systems. The most common are Mastercard and Visa. They are distributed all over the world. However, after the referendum in Crimea, the use of cards in this territory was frozen.

In connection with this situation, the government of the Russian Federation decided to develop its own payment system, which serves the Mir card. All social workers and pensioners will receive money only for this card.

Plastic card Mir is a banking product with functionality that does not differ from cards that are served by foreign payment systems. It was developed in 2014, and since 2016, Sberbank of Russia began to produce plastic tools.

Thanks to its own development, the service of the cards will not depend on Western sanctions. Thus, the government protects the most vulnerable segments of the population: pensioners, social workers and public sector employees.

It should be noted that the Mir card does not differ in functionality from other plastic instruments, except that only Russian rubles can be stored on it, therefore it cannot be used in other countries. However, this drawback is already at the stage of solution, as options for cooperation with some countries are being considered, where it will be possible to use the new card. It is also planned to issue credit cards of the Russian payment system.

The new banking product is valid for five years. The daily limit for withdrawing money is 300,000 rubles, and payments can be made in the amount of 500,000 rubles.

Paid and do you need it?

Initially, the Russian payment system was designed for people receiving pension benefits and employees of budgetary organizations. But today, in the offices of Sberbank, all adult citizens of the Russian Federation can issue the Mir card.

If you work in a government agency and receive a salary in a non-cash way, then as part of the salary project in 2018, all budget employees will receive a Mir card. Such measures are mandatory. And until 2020, all pensioners will receive payments for a new plastic instrument. In these cases, the transition to a new banking instrument is mandatory.

All other Russian citizens can independently issue a Mir card at will. It should be understood that global payment systems operate throughout the country, except for Crimea. Therefore, each person decides for himself which banking product is more convenient for him to use, since the transition to the Russian payment system is not mandatory. There is a charge for servicing a debit card.

What is the cost of servicing the card?

Today, Sberbank of Russia issues the world map in two versions:

1. Pension.
2. Debit.

In the first option, the banking product is provided free of charge to people who receive their pension in a non-cash way. There is no charge for the annual maintenance of the plastic tool.

Also, a new card is issued free of charge to employees of budgetary organizations, as a salary instrument.

If a person does not belong to state employees and pensioners, then he can independently arrange a banking product at any branch of Sberbank. In this case, the cost of the first year of service is 750 rubles. And starting from the second year, you will need to pay 450 rubles.

In other banking organizations, the cost of service may differ significantly, therefore it is necessary to clarify the conditions and tariffs in the representative offices of financial structures.

Advantages and disadvantages of the Sberbank Mir card

The national card has a lot of advantages, but since the product was released relatively recently, it is still raw, so there are some drawbacks. Let's consider the features of the new plastic tool.

• Independence from Western payment systems.
• High card withdrawal limits. Depending on the status of the instrument, you can withdraw at least 150,000 rubles per day without commission.
• You can pay in all major stores.
• High degree of protection.
• Cardholders can connect to all possible services of Sberbank.
• Possibility of connecting the "Thank you from Sberbank" program.
• The card is serviced by a large network of ATMs and self-service devices.

• Cashback is not available today.
• Compared to many card products, high maintenance cost.
• Can be used only in Russia. However, this drawback is already being resolved, as the possibility of cooperation with American Express and Maestro payment systems is being considered. Therefore, in the near future, the World map can be used in other countries.

Experts note that very soon, the new banking product will not have any restrictions.

If the pension fund asked for clarification ...

On 07/01/17, a new bill came into force on the transfer of pensioners and public sector employees to the national payment system Mir. It is planned that by 2020, all pension payments will be transferred to the new card.

Many retirees demand clarification as to why they should give up their usual cards. In this regard, the FIU was obliged to explain the situation to the citizens of the Russian Federation.

The procedure for transferring to the Russian payment system is painless. The service is free, the transfer to the Mir payment system will take place gradually, so there is no need to apply for a new card.

The new card was designed to protect state employees and pensioners from Western sanctions. This allows you to ensure the safety of funds of the population.

Therefore, there is no need to be intimidated by innovations. The national plastic instrument is no different in functionality from common cards.

How to opt out?

After the Mir card was issued, many people began to report that employers promise to fire them if they do not agree to switch to the new payment system. Such cases are illegal, so you need to contact the appropriate authorities.

According to the current legislation, all banks will be obliged to serve pensioners and salary clients only with a Mir card. But no one has the right to force people to use this banking product.

If you do not want to receive a pension or salary on the Mir card, then you need to write a corresponding application at work or in the FIU. But in this case, funds can only be received in cash. And transferring money to cards of another payment system will be impossible.

REFUSAL FROM THE CARD "WORLD"

COPY:
103265, Moscow, Okhotny Ryad, 1
Financial Market Committee of the State Duma of the Federation Council of the Russian Federation
115093, Moscow, Serpukhovsky per., 7, building 1
To the Authorized Organization of the State Unitary Enterprise of Moscow Moscow Social Register
117997, Moscow, st. Vavilova, 19
To the President of Sberbank of the Russian Federation Gref G.O.
To the head of the MFC ________________ district

The head of the organization (at the place of receiving salaries, scholarships, pensions, benefits, etc.)
_________________________________________________
To the President of the Bank ____________________________________
Address:_____________________________________________
from ______________________________________________
address:______________________________________________
_____________________________________________________

STATEMENT

on violation of the constitutional rights of citizens of the Russian Federation by forcing the receipt of payments (salary, scholarships, pensions, etc.) in non-cash form using a MIR bank card and an electronic digital signature.

In accordance with the Constitution of the Russian Federation, every citizen is guaranteed:
 social security (old-age pension, disability, loss of breadwinner, social benefits (Article 39 of the Constitution of the Russian Federation);
 the right to work and remuneration (Article 37 of the Constitution of the Russian Federation);
 the right to education (with payment of a scholarship) (Article 43 of the Constitution of the Russian Federation);

These rights are not subject to the condition of having a plastic bank card and digital signature.
In accordance with Article 2 of the Federal Law No. 395-1 of December 02, 1990 On Banks and Banking Activities Legal regulation of banking activities is carried out by the Constitution of the Russian Federation, ... other federal laws ..., which means strict observance by the heads of credit banking institutions of the Constitution of the Russian Federation, pension, social and other legislation of the Russian Federation, and, consequently, the rights and legitimate interests of citizens (workers, students, pensioners, etc.) and their expression of will when receiving payments.

The imposition of a non-cash form of payments (salary / pl, scholarships, pensions, benefits, etc.) by means of a bank card with an electronic digital signature without the consent of a citizen is prohibited by the Constitution of the Russian Federation and the current federal legislation of the Russian Federation.

The legislator guarantees the citizen to receive payments in cash.

In Art. 131 of the Labor Code of the Russian Federation states: Payment of wages is made in cash in the currency of the Russian Federation, and not in the form of virtual rubles.

In accordance with Part 2 of Article 1 of the Civil Code of the Russian Federation, citizens acquire and exercise civil rights by their own will and in their interest. They are free to define any terms of the contract that do not contradict the legislation. Citizens and legal entities, at their discretion, exercise their civil rights (Article 9 of the Civil Code of the Russian Federation),
… Are free to conclude a contract. Coercion to conclude an agreement is not allowed ... (Article 421 of the Civil Code of the Russian Federation), ... unilateral refusal to fulfill obligations and unilateral change of its conditions is not allowed ... (Article 310 of the Civil Code of the Russian Federation).

According to labor legislation, it is not allowed to exceed the share of payments in non-cash form over 20 percent. In the case of a non-cash form, the obligation to pay is considered fulfilled at the time the money is transferred to the recipient's bank account, and the management does not bear further responsibility for receiving them by the addressee. In addition, I do not trust either banks or ATMs, since the bank can unilaterally limit the amount of cash withdrawal or stop servicing the account, (especially during the economic crisis), and the card can be damaged at any time.
Based on the foregoing, I DO NOT GIVE MY CONSENT to issue a bank card in my name, including MIR and the formation of an electronic digital signature.

Maintain the traditional form of receiving payments (salary, scholarships, pensions, etc.) in cash on a paper receipt (statement);
- not to allow the transfer of funds due to me to a bank card, including MIR.

In case of refusal to pay me (salary, stipend, pension, etc.), guaranteed by the state in cash, I will raise the issue of bringing the perpetrators to criminal responsibility under Art. 145-1 of the Criminal Code of the Russian Federation (Failure to pay salary, scholarships, pensions) and the imposition of material and moral damages on them.

I PLEASE, within the period established by Law No. 59-FZ "On the Procedure for Considering Appeals of Citizens of the Russian Federation", to send
- copies of my appeal to the relevant officials in the event that the solution of the issues raised in it falls within the competence of several state bodies, local authorities or officials,
- an answer in essence and a notification of redirection to the address above me.

Sincerely, ___________ /_________________________/ ____ ______________ 2017 year

Today we will try to figure out how to get rid of the "World" card. Is it even allowed to do this? Or in Russia, the aforementioned plastic should be mandatory for every person? Below we will consider all the features of working with Mir cards, their pros and cons, ways of receiving and refusing. If you thoroughly understand all this, then there will be no problems in the future.

Description

Can I refuse the World card? First, let's try to understand what this is all about.

Plastic called "Mir" is a new type of bank cards. More precisely, this is the name of the national payment system operating in Russia.

The product under study is a bank card that can be used to pay for purchases on the Internet and in ordinary stores. Today they try to give this plastic to every person.

Types of cards

Can I refuse the World card? Before you understand this issue, you will have to study the types of the corresponding plastic.

Today you can get:

• salary card;
• pension plastic;
• debit counterparts;
• "credit cards".

The main thing is that all payments will be made through the national payment system of the same name. The Russian government believes that such an innovation will be very convenient.

Where to get

Where can you order the product under study? The answer to this question is not as difficult as it seems.

The point is that MIR cards are issued either at specialized issuing points or at partner banks. For example, they include Sberbank, VTB and other large financial organizations. A complete list of partners can be viewed on the official page of the "Mir" plastic.

How to arrange

Some are wondering how to refuse the "World" card, even if there is no appropriate plastic. Therefore, it is recommended that you study the procedure for processing an offer.

Typically, actions are reduced to the following stages:

1. Collection of documents. We will get acquainted with their list later.
2. Contacting the point of issue of the card with a request.
3. Waiting for the card to be ready.

After the plastic is ready, you can pick it up and activate it. There is nothing incomprehensible or difficult.

Surprises for the population

Some will think about how to refuse the Mir card, even if they did not apply to the bank with a corresponding request. And that's okay.

The point is that now many financial organizations send the product under study to all their clients automatically. That is, without their knowledge. This is not the best thing. After all, you also need to pay for servicing Mir cards. This means that it will not be superfluous to understand how to refuse the sent product.

Documents at registration

But before that, let's get acquainted with the package of documents required for ordering the card on our own. It is minimal.

In general, only a passport or other identity card is required from a citizen. In some cases, a pension certificate or a certificate of citizenship can be useful.

Nothing else is needed. The issue of Mir cards does not cause any trouble to the population. But what if the need for this product has disappeared? Is it possible to refuse the Mir salary card or any other similar plastic?

Obligations of banks

Understanding this issue is not as easy as it seems. After all, the legislation says one thing, but society behaves differently. But, as a rule, without breaking the laws in force. They are simply not interpreted quite correctly.

In Russia, banks in 2017 are obliged to provide citizens with the opportunity to issue the cards under study. By 2020, it will be possible to order Mir at any financial institution.

That is, banks are obliged to work with the products under study. But what about the population? Is it obligatory to have the appropriate plastic? And if not, how can you give it up once and for all?

Mandatory holders

Can I refuse to receive the "World" card? To understand this issue fully, we will study the categories of citizens who must necessarily work with the mentioned payment system.

The following will work without fail with Mir cards in Russia:

• civil servants;
• state employees;
• pensioners;
• students;
• military personnel.

Ordinary citizens are not included in the corresponding list. Therefore, we can assume that the mentioned products are not obligatory for them. Is it so?

Ordinary citizens and their rights

In part, yes. Is it possible for an ordinary person to refuse a Sberbank Mir card? And not work with this payment system at all?

As we have already said, by no means all citizens are obliged to draw up Mir cards for themselves. But in real life, the corresponding plastic is actively distributed among the population. Banks are literally imposing this offer.

In fact, you can't do that. After all, this violates the current legislation of the country. Banks are obliged to provide opportunities for processing Mir plastic, but not impose them in any way. Obtaining cards is a right of the population, but not an obligation. Therefore, a person can refuse to use the national payment system.

On the transfer of citizens to cards

"Can I opt out of the World card?" - this question is encountered more and more often. People are actively imposing this proposal, but it does not make everyone happy. And later we'll figure out why exactly.

On the territory of the Russian Federation, work is underway to transfer the population to plastic with the name "Mir". It is carried out in several stages. And one of them is the transfer of benefits and subsidies by bank transfer to the account of the corresponding plastic.

That is, from 2018, all state support in terms of finance will be provided only through Mir cards. Without them, it will be very problematic to issue benefits. And this must be remembered by the entire population.

State employees and refusal

How to refuse the "Mir" card for state employees? And does this category of citizens generally have such a right?

So far, yes. In 2017, public sector employees can still refuse to switch to the national payment system. But only under certain circumstances. More about them later.

The main thing is that state employees are still able not to get involved with the proposal being studied. You need to know how to properly translate your idea into reality. And then there will be no problems with wages for public sector employees.

Pensioners and cards

Is it possible to refuse the Mir card for pensioners? This is another rather important question. After all, pensions in Russia will be transferred to citizens precisely with the help of the national payment system.

Seniors until 2020 can use any convenient method of receiving pension payments. That is, they will be able to refuse the proposal under study. But not everyone understands exactly how to cope with the task at hand. And not every bank reports on the rights of the population.

Translation plans with dates

A few words about the plans of the Russian government regarding Mir plastic. As we have already said, they want to gradually transfer citizens to use the national payment system. But this can be done successfully only over time.

To date, the following plans are known to transfer citizens to Mir cards:

• from 1.01.2018, all benefits and subsidies will be credited only to the corresponding plastic;
• from July 2018, state employees will begin to transfer salaries exclusively to Mir cards;
• by 2020, it is planned to transfer all pensioners to the national payment system.

There is no more information about the plans of the state yet. Therefore, today it is allowed not to work with the proposal under study.

Alternative solution

How can a pensioner or a state employee refuse a Mir card? There is one way that will work even after 2018. What is it about?

The point is that the aforementioned plastic will be used by the state for calculating pensions, benefits, subsidies and salaries. But if no alternatives are offered, this will be perceived as an imposition and violation of freedom of choice.

Therefore, state employees and retirees can choose an alternative way of receiving funds. Which one? Cash! If the salary is paid in cash, then the Mir cards will not be required. The same goes for pensions.

Cash benefits and subsidies, however, are not easy to obtain. You can request them using passbooks, but it is not yet known how this process will take place after 2018. It is possible that the MFC and banks will begin to deny the population to use savings banks.

Workarounds

Is it possible to refuse the "Mir" card for state employees? Yes. We figured out one way to accomplish the task. But this issue will have to be discussed with the employer. And it is not a fact that he will meet halfway.

There is another scenario for the development of events. It allows you not to give up Mir plastic once again, as well as to use other bank cards. What exactly are we talking about?

Some people advise to just get Mir plastic in one bank, and then get any other bank card there. Further, the citizen will be able to transfer funds from plastic to plastic without commission. For example, this technique works perfectly with Sberbank.

That is, the citizen indirectly refuses the card. First, funds are transferred to Mir, and then they are transferred to the selected bank plastic. There is nothing difficult or incomprehensible in this. To obtain a debit card, it is sufficient to have an ID with you. This is the simplest solution.

Refusal to receive

How to refuse the Sberbank Mir card? For pensioners or any other citizens, this is not so important. The main thing is that a citizen has the right to use other bank cards. And he is not obliged to receive the studied product. In any case, up to the points mentioned earlier.

If the card is issued by the bank automatically, you may not receive it. If sent by mail, do not go through activation. Better yet, take a passport and apply to a branch of a financial institution with a request to return the card. For the time being, it must be accepted and destroyed in front of human eyes.

Step-by-step actions of state employees

How to refuse the "Mir" card to a state employee? It is best to proceed like this:

1. Contact the employer and discuss the procedure for receiving a salary.
2. Agree to disburse funds in cash.
3. Renew the agreement or sign an additional agreement to change the method of issuing money.

It's enough. After these steps, the "World" card will either not be made to one or another employee, or the plastic will simply lie without activation.

Pensioners and rejection (step by step)

Can I refuse the Sberbank Mir card? Yes, and this is not difficult to do.

We have dealt with state employees. And what about pensioners?

First, you don't have to worry until 2020. It will be possible to receive pensions in other ways.

Secondly, it is allowed not to switch to Mir cards until the expiry date of the previously issued plastic.

Thirdly, to receive money in cash, it is recommended to follow these guidelines:

1. Prepare a package of documents. The list of papers will be presented later.
2. Contact the FIU at the place of registration.
3. Write an application for the issuance of a pension in cash.

It is done. There is nothing special about this. Except that sometimes it is problematic to collect a package of documents. It is advisable to submit an application for receiving pensions "in cash" when registering a pensioner status.

Documents for a pensioner

To cope with the task at hand, the elderly person will have to prepare a certain package of papers. Which?

It is required to take with you:

• passport;
• pension certificate (if any);
• work book;
• certificates confirming insurance periods counted as seniority;
• health certificates;
• birth certificates of children;
• SNILS.

This package of papers is enough. If there are certificates of the Ministry of Internal Affairs or awards / medals indicating the status of a veteran / member of the cavalry of the Order of Glory, they will also have to be presented.

Pluses of the card

We have figured out how to refuse the "World" card in one case or another. What are the advantages of this plastic?

Its positive aspects include:

• the ability to service in all ATMs of the Russian Federation;
• independence from the political situation in the world;
• high level of protection of funds.

These are the main advantages of the plastic under study. But he also has disadvantages. For some, they seem significant.

Cons of the "World" card

Is it possible to refuse the Mir salary card? Quite. And we figured out how to do it.

Why are citizens not too happy about the mentioned proposal? So far, the Mir cards have the following shortcomings:

• service exclusively on the territory of the Russian Federation;
• inability to pay for purchases in foreign online stores;
• cards are not yet accepted in all stores in the country;
• plastic service failures.

In addition, some people do not like the terms of service for Mir cards. They directly depend on the bank in which the plastic is issued. But in general, the payment for the maintenance of the card ranges from 450 to 750 rubles per year. Not so little.

Conclusion

Can I refuse the World card? This question will no longer cause any difficulty. All possible scenarios were presented to our attention.

Each person chooses for himself which payment systems to use. And therefore the plastic "Mir" is just another interesting government proposal.

"There will be extra expenses, hassle, extra work," says Oleg Sysuev, first deputy chairman of the board of directors of Alfa-Bank. A massive transition to receiving budget funds on the Mir card may begin from July 1

The Central Bank proposes to start transferring state employees to the Mir card from July 1. The head of the Central Bank Elvira Nabiullina stated this at a meeting with bankers in the Bor hotel near Moscow. She also said that the final transition to receiving budget funds for Mir cards may be postponed until July 1 next year. It was previously planned to be completed by January 1.

The total transfer of all state employees to the Mir card was criticized, among other things, by the head of Sberbank, German Gref. Oleg Sysuev, First Deputy Chairman of the Board of Directors of Alfa-Bank, explained the position of Business FM bankers:

First Deputy Chairman of the Board of Directors of Alfa-Bank“I understand that the decision was generally to create this payment system, and this card was motivated by political motives. When politics comes into play, it’s no longer about economic and market reasons. Considered from this point of view, there will be some extra work, there will be some kind of restriction from the point of view of competition, because the existing payment systems have fully justified themselves, they completely covered the needs of all users, including in Russia. This is not driven by the market need for another payment system. Thus, it seems to me that there will be unnecessary expenses, unnecessary troubles, unnecessary work, special failures, as it seems to me, should not be expected, I will not lie here. We do not expect any cataclysms and failures in this regard. It seems to me that all decisions that are caused by political circumstances are not rational. "

Mass transfer to the Mir card will affect all state employees, pensioners and recipients of social benefits. Experts find it difficult to name the exact number of Russians who will be required to receive funds on the card of the national payment system. But the transition will definitely affect tens of millions of people, and there are fears that problems will arise in its course, says Alma Obaeva, chairman of the board of the non-profit partnership National Payments Council.

Alma Obaeva Chairman of the Board of the Non-profit Partnership "National Payments Council"“I am a client of a large bank, I sometimes go to the branch for some questions. There are a lot of people. It seems that everything is already in ATMs, terminals, in remote control, but all the same, people are sitting, people want to turn to tellers with certain questions. If you imagine that it will be necessary to massively replace everyone - this is at least 20 million people, and you will not receive the card virtually, you need to get it physically: come, submit an application for opening an account, then come and pick up the card. I don’t want there to be queues on the street ”.

According to the National Payment Card System, as of December 21 last year, Russian banks have already issued more than 1.5 million Mir cards. The largest bank in Crimea, RNKB, became the leader in issuance, with 850 thousand cards already on its account.

In recent days, there have been alarming calls and e-mails from citizens who are forced at their place of work, in the bodies of the Pension Fund of the Russian Federation or in banks to receive an electronic payment card "Mir". These actions of representatives of certain organizations contradict the Constitution of the Russian Federation, the Labor Code of the Russian Federation and the latest changes in legislation.

On May 3, 2017, Rossiyskaya Gazeta published a new Federal Law of May 1, 2017 No. 88-FZ "On Amendments to Article 16.1 of the Law of the Russian Federation" On Protection of Consumer Rights "and the Federal Law" On the National Payment System "".

The declared purpose of the signed by the President of the Russian Federation V.V. Putin's law - the gradual transfer of public sector employees and pensioners exclusively to the cards of the National Payment Card System "Mir" (NSPK) to ensure complete independence of Russia from foreign payment systems.

From July 1, 2017, all banks will have to ensure the possibility of providing all applicants with cards of the national payment system "Mir". That is, banks are obliged to ensure the issuance and implementation of transactions using the Mir card throughout the territory of the Russian Federation within the period specified by the law. This is specifically stated in parts 5-5.3 article 2 of the new Federal Law.

At the same time, the law retains for the citizens of Russia the right to choose the method of receiving salaries and pensions. This law does not oblige all citizens to receive bank payment cards "Mir", its provisions apply exclusively to citizens who have or voluntarily accept these bank cards.

If a citizen wishes to receive wages, pensions or other social and other payments from the budget of the Russian Federation in cash or to an account to which a plastic card is not tied, then he must be provided with such an opportunity. Obtaining and using the Mir electronic payment card is absolutely voluntary!

“The provisions of parts 5-5.3 of this article do not apply to cases receipt by individual clients of tax deductions on personal income tax, receipt by individual clients of payments to bank accounts that do not provide for transactions with them using payment cards, receipt of payments by individual clients by cash (including through organizations postal service), receipt by customers - individuals determined in accordance with regulatory legal acts lump sum payments or payments made at intervals less than once a year ... "

In addition, the following provision is preserved in Article 16-1 of the Law of the Russian Federation "On Protection of Consumer Rights": "The seller ( executor) is obliged to ensure the possibility of payment for the goods ( works, services) through the use of national payment instruments, and also cash payments at the choice of the consumer ".

The contractor, in particular, is every employer, Pension Fund authority, bank or post office that are required at the request of citizens make payments in cash.

So, forcing citizens to accept and use electronic payment cards of the NSPK "Mir" is completely unacceptable.

Moreover, any citizen who has previously received a Mir card can refuse to use it. Back in February 2017, the head of the Federal Antimonopoly Service of the Russian Federation (FAS) Igor Artemyev said: “The FAS and the Central Bank of the Russian Federation have agreed that from January 1, 2018, state employees can refuse to pay their salaries to the Mir card, but in this case they will be able to receive their money is only in cash at the cash desk. "

Pensioners today can choose between non-cash and cash payments. In the latter case, the money goes through a bank or post office, where there is a cash desk and there are no problems with cash payments.

The provision on the obligation to ensure cash payments will create more difficulties for budgetary organizations, says Oleg Ivanov, vice president of the Association of Russian Banks. “Many budget organizations have already abandoned the creation of a cash register, cashiers have practically stopped working with cash,” he says. - Now this work will have to be resumed.».

Here, of course, much depends on the will and firmness of the citizens themselves, but on their side is not only the new Federal Law signed by the President of the Russian Federation, but also the Basic Law of the State - the Constitution of the Russian Federation, as well as the Labor Code of the Russian Federation.

Article 75 of the Constitution of the Russian Federation: 1. The monetary unit in the Russian Federation is the ruble. The emission of money is carried out exclusively by the Central Bank of the Russian Federation. The introduction and issue of other money in the Russian Federation is not allowed. 2. Protection and stability of the ruble is the main function of the Central Bank of the Russian Federation ... "

“Payment of wages is made in cash in the currency of the Russian Federation (in rubles).

In accordance with the collective agreement or labor agreement, upon a written application from the employee, remuneration may be made in other forms that do not contradict the legislation of the Russian Federation ...

The share of wages paid in non-cash form may not exceed 20 percent of the accrued monthly wages ... "

It remains to remind once again that the introduction and use of electronic non-cash money is illegal.

quite rightly asserts: “This is blatant counterfeiting on an especially large scale ... Why do I have such an irreconcilable (not tolerant) attitude towards non-cash money? For the simple reason that they are illegal means of payment and exchange. Simply put, counterfeit money.

And who is engaged in the issue of non-cash money (they are also called deposit money)? - Commercial banks, of which we currently have more than 800 ( now - more than 600, the article was written by Valentin Yurievich in 2015- ed.). And in the same America (USA) - almost 7 thousand. What laws determine the status and procedure for issuing non-cash money? - None. Their release and circulation are, as lawyers say, “out of the right margin”. And such an activity in our country in certain circles is usually called "life by concepts."

Legitimate money(“Legal tender”; the analogue of our term in Anglo-Saxon law - legal tender) are only those obligations that are issued by Central Banks. This is cash in the form of paper signs (banknotes) of various denominations, which have reliable protection against counterfeiting. In the good old days, central bank notes were backed in whole or in part by their metal reserve (the "gold standard"). Today, alas, this is no longer the case. They are just paper tokens (called fiat money). But with all this, they are legal money, the status of which is enshrined in laws, and often in the constitutions of states. But non-cash money is shadow, in fact, illegal! "

Let's hope that the materials offered to readers will become a guide for them to take action in the struggle to preserve the traditional and legal system of cash payments in our beloved Russia.

"Beware lest anyone deceive you"(Matthew 24: 4) - our Lord Jesus Christ Himself teaches us.

Valery P. Filimonov, Russian writer